Tuesday, March 23, 2010
Sunday, March 21, 2010
HEALTH CARE BILL - HAS PEOPLE TO BE CHIPPED!!!!
The Health Care Bill - has people to BE CHIPPED!!!!!
The Obama Health care bill under Class II (Paragraph 1, Section B) specifically includes ‘‘(ii) a class II device that is implantable." Then on page 1004 it describes what the term "data" means in paragraph 1, section B:
14 ‘‘(B) In this paragraph, the term ‘data’ refers to in15
formation respecting a device described in paragraph (1),
16 including claims data, patient survey data, standardized
17 analytic files that allow for the pooling and analysis of
18 data from disparate data environments, electronic health
19 records, and any other data deemed appropriate by the
20 Secretary"
What exactly is a class II device that is implantable? Lets see...
Approved by the FDA, a class II implantable device is a "implantable radiofrequency
transponder system for patient identification and health information." The purpose of a class II device is to collect data in medical patients such as "claims data, patient survey data, standardized analytic files that allow for the pooling and analysis of data from disparate data environments, electronic health records, and any other data deemed appropriate by the Secretary."
This sort of device would be implanted in the majority of people who opt to become covered by the public health care option. With the reform of the private insurance companies, who charge outrageous rates, many people will switch their coverage to a more affordable insurance plan. This means the number of people who choose the public option will increase. This also means the number of people chipped will be plentiful as well. The adults who choose to have a chip implanted are the lucky (yes, lucky) ones in this case. Children who are "born in the United States who at the time of birth is not otherwise covered under acceptable coverage" will be qualified and placed into the CHIP or Children's Health Insurance Program (what a convenient name). With a name like CHIP it would seem consistent to have the chip implanted into a child. Children conceived by parents who are already covered under the public option will more than likely be implanted with a chip by the consent of the parent. Eventually everyone will be implanted with a chip. And with the price and coverage of the public option being so competitive with the private companies, the private company may not survive.
http://edlabor.house.gov/documents/111/pdf/publications/AAHCA-BillText-071409.pdf
14 ‘‘(B) In this paragraph, the term ‘data’ refers to in15
formation respecting a device described in paragraph (1),
16 including claims data, patient survey data, standardized
17 analytic files that allow for the pooling and analysis of
18 data from disparate data environments, electronic health
19 records, and any other data deemed appropriate by the
20 Secretary"
What exactly is a class II device that is implantable? Lets see...
Approved by the FDA, a class II implantable device is a "implantable radiofrequency
transponder system for patient identification and health information." The purpose of a class II device is to collect data in medical patients such as "claims data, patient survey data, standardized analytic files that allow for the pooling and analysis of data from disparate data environments, electronic health records, and any other data deemed appropriate by the Secretary."
This sort of device would be implanted in the majority of people who opt to become covered by the public health care option. With the reform of the private insurance companies, who charge outrageous rates, many people will switch their coverage to a more affordable insurance plan. This means the number of people who choose the public option will increase. This also means the number of people chipped will be plentiful as well. The adults who choose to have a chip implanted are the lucky (yes, lucky) ones in this case. Children who are "born in the United States who at the time of birth is not otherwise covered under acceptable coverage" will be qualified and placed into the CHIP or Children's Health Insurance Program (what a convenient name). With a name like CHIP it would seem consistent to have the chip implanted into a child. Children conceived by parents who are already covered under the public option will more than likely be implanted with a chip by the consent of the parent. Eventually everyone will be implanted with a chip. And with the price and coverage of the public option being so competitive with the private companies, the private company may not survive.
http://edlabor.house.gov/documents/111/pdf/publications/AAHCA-BillText-071409.pdf
Friday, March 12, 2010
Comet Plunges into the Sun 3/12/10
A comet plunged into the sun today. A C class flare was then released. Video of the Comet taking the dive!
Monday, February 22, 2010
Saturday, January 23, 2010
Chemtrails over All of South Florida, Europe and Texas Louisiana Coast 1- 23 -10
Off Coast of Europe Chemtrails form 1 23 10
Talk about Chemtrails!! Snap shot taken 1 23 10 - South Florida.
Here is the Texas and Louisiana Coast - you can see the lines and then what they normally do - by becoming "clouds"!
Click on the pictures you will see them bigger - you will see all the chemtrail lines on both sides of the coast of Florida and the lines around Texas. This is Great Proof - Chemtrails ARE REAL.
Sunday, January 17, 2010
Haiti - Why aren't the People Actually Being helped? Aid there - But not getting to the People - Docs without Borders Denied Persmission to Land!
Haitian Above Arrested for Looting For Food - Had One Carton of Powdered Milk - taken out of a Destroyed Store!! Survival Needs - people are being arrested for?!
Honestly, I have been watching Haiti's aftermath of the horrendous earthquake and have cried a few times, due to their situation.
I am a very strong person - but I will admit - their situation has made tears come to my eyes.
It has also caused me to reflect on the "what ifs".
What if this Earthquake had happened on another "more affluent" Caribbean Island.
Would it almost be one week of people not actually getting desperately needed supplies and basic necessities of life - like food and water? Would the life essentials be air dropped constantly around the island if the roads were impassible to deliver those life saving needs?
Would the U.S. military be taking control of the island sending troops to "control" the people?
Would the U.S. deny Doctors without Borders the right to land so they could ultimately help the people?
Would the UN make doctors abandon patients at a make shift hospital - due to them thinking the situation my become dangerous, due to the people's desperation to survive?
What happened in Haiti is horrible from the earthquake, but what is happening now is HORRENDOUS and SICKENING!
In my opinion, they want the people to start rioting so they can clamp down on them and try to turn people's compassion to them to distrust and make people think Haitians are dangerous.
There is NO GOOD REASON - that the people of Haiti have not have the most simple life saving items air dropped for them to survive!
The actions of the U.S. and U.N are not actually seeming humanitarian at all - but more of an invasion and capitalizing on the Haitians disaster. If they were actually meaning to be humanitarian then they would not be making a Big show of getting things to Haiti - but not actually getting the items to the people to save their lives.
I am so sad and disgusted at what is "really happening" and how the people have not gotten what they need yet.
Tomorrow will be 7 days times since the earthquake occurred.
Now who knows what disease is taking place and more needless deaths, due to the people not getting medical care, water and food.
Stop and think - would the Elite on another island be treated like the Haitians are being treated?
AS WE TREAT OTHERS AND WE DO TO OTHERS - SO SHALL BE DONE TO OURSELVES!
God Help those Who are in Need and Guide All to Do the Right thing!
Not One of us are Better than Anyone else! We are ALL The Same deep inside - We are Souls of Light - We just all look different and are Living Different Lives at this time!
No Elite is Better than a Haitian - I am no Better or Worse than any other Soul on this Earth Either!
Helping Others, Helps Ourselves!
UPDATE - 1/19/10 - First Air Drop of Water and Food - ONE Week After Quake
Link: http://edition.cnn.com/2010/WORLD/americas/01/18/haiti.airdrop/index.html
Friday, January 15, 2010
Haiti Earthquake and Charities - Donations
The Earthquake in Haiti is so unbelievable sad! No words are able to express how I feel for those people!
They desperately need immediate HELP!
In saying that, the media along with many organizations are asking for Donations for Helping the people of Haiti.
President Obama announced he has asked Bush Jr. and Clinton to head the donations for Haiti.
Before thinking they have the "best" intentions for the people - look at what Bush Sr. and Clinton did with the money they raised to supposedly help Katrina victims.
They raised 130 million for the Katrina victims - BUT did it actually GO to the Katrina victims?
Take a nice big guess on that one!
Here are two stories to help you understand, they ended up funneling the money to Governors and charities the Governors had set up. If you are familiar with Charities - you will find anyone can set up and charity and then only give 2% of the money raised to actually help people.
Stories/Information on where Bush Sr. and Clinton money went:
http://www.charitywatch.org/articles/katrina_testimony.html
http://www.wdsu.com/news/13677190/detail.html
Here is a good link about the Best Charities
http://www.charitywatch.org/toprated.html
I think it is important for every single person to do what ever they can do to help those in need right now.
Please look at the organizations that will actually do something for the people and not make it a "political" donation.
Also, do a little research on Clinton and Haiti - you will find the intentions have not always been the best for the people - in fact they look to have been the opposite.
There are many informative stories about their relationship - Look at Aristide - who was an ultimate drug lord and the close relationship him and Clinton had.
Just one of many links:
http://www.haiti-info.com/spip.php?article111
Regarding Bush Jr. - Yeah - I really don't have much to say regarding how "humanitarian" that man is. Just look at Katrina and how well he handled that and where his focus has always been, which has never been about "helping the people".
As a Red Cross Volunteer - and you will see in the articles posted how they used all the money to provide for the people - I am biased. I have seen First hand how the Red Cross helps people.
So research before just giving to a charity to help the people of Haiti - BUT please do what you can to HELP them!
They desperately need immediate HELP!
In saying that, the media along with many organizations are asking for Donations for Helping the people of Haiti.
President Obama announced he has asked Bush Jr. and Clinton to head the donations for Haiti.
Before thinking they have the "best" intentions for the people - look at what Bush Sr. and Clinton did with the money they raised to supposedly help Katrina victims.
They raised 130 million for the Katrina victims - BUT did it actually GO to the Katrina victims?
Take a nice big guess on that one!
Here are two stories to help you understand, they ended up funneling the money to Governors and charities the Governors had set up. If you are familiar with Charities - you will find anyone can set up and charity and then only give 2% of the money raised to actually help people.
Stories/Information on where Bush Sr. and Clinton money went:
http://www.charitywatch.org/articles/katrina_testimony.html
http://www.wdsu.com/news/13677190/detail.html
Here is a good link about the Best Charities
http://www.charitywatch.org/toprated.html
I think it is important for every single person to do what ever they can do to help those in need right now.
Please look at the organizations that will actually do something for the people and not make it a "political" donation.
Also, do a little research on Clinton and Haiti - you will find the intentions have not always been the best for the people - in fact they look to have been the opposite.
There are many informative stories about their relationship - Look at Aristide - who was an ultimate drug lord and the close relationship him and Clinton had.
Just one of many links:
http://www.haiti-info.com/spip.php?article111
Regarding Bush Jr. - Yeah - I really don't have much to say regarding how "humanitarian" that man is. Just look at Katrina and how well he handled that and where his focus has always been, which has never been about "helping the people".
As a Red Cross Volunteer - and you will see in the articles posted how they used all the money to provide for the people - I am biased. I have seen First hand how the Red Cross helps people.
So research before just giving to a charity to help the people of Haiti - BUT please do what you can to HELP them!
Friday, December 18, 2009
This Story Gets me SICK! This is A SCAM with what Banks ARE Doing!! Outrageous!
I am literally sick with what information this article has in it! How are they being allowed to do this? How is it the government is Allowing it?
There is fine print in the loan modification application saying the homeowners give up their rights to foreclosure notice if the bank rejects their loan modification, they can foreclose on them without notice, even when people are making their payments on time of the temporary loan modification.
The bank can decide they won't modify the loan and then simply put it up on auction without notice.
The woman in the article, had been making her payments and even made a payment on Nov. 30th for December, but had a knock on the door by the "new owners" who purchased it at auction that morning.
This is one of the MOST DISGUSTING THINGS I have ever read in what banks are doing AFTER GETTING BILLIONS AND TRILLIONS!
ANYONE WHO HAS A TEMPORARY LOAN MODIFICATION NEEDS TO BECOME AWARE OF THIS - IMMEDIATELY - THEIR HOUSE CAN BE TAKEN WITHOUT WARNING!!
Link to Article:
http://www.mcclatchydc.com/227/story/80867.html
WASHINGTON — Ten months after the Obama administration began pressing lenders to do more to prevent foreclosures, many struggling homeowners are holding up their end of the bargain but still find themselves rejected, and some are even having their homes sold out from under them without notice.
These borrowers, rich and poor, completed trial modifications of their distressed mortgage, and made all the payments, only to learn, often indirectly, that they won't get help after all.
How many is hard to tell. Lenders participating in the administration's Home Affordable Modification Program, or HAMP, still don't provide the government with information about who's rejected and why.
To date, more than 759,000 trial loan modifications have been started, but just 31,382 have been converted to permanent new loans. That's averages out to 4 percent, far below the 75 percent conversion rate President Barack Obama has said he seeks.
In the fine print of the form homeowners fill out to apply for Obama's program, which lowers monthly payments for three months while the lender decides whether to provide permanent relief, borrowers must waive important notification rights.
This clause allows banks to reject borrowers without any written notification and move straight to auctioning off their homes without any warning.
That's what happened to Evangelina Flores, the owner of a modest 902 square-foot home in Fontana, Calif. She completed a three-month trial modification, and made the last of the agreed upon monthly payments of $1,134.60 on Nov. 1. Her lawyer said that in late November, Central Mortgage Company told her that it would void her adjustable-rate mortgage, which had risen to a monthly sum above $2,000, and replace it with a fixed-rate mortgage.
"The information they had given us is that she had qualified and that she would be getting her notice of modification in the first week of December," said George Bosch, the legal administrator for the law firm of Edward Lopez and Rick Gaxiola, which is handling Flores' case for free.
Flores, 58, a self-employed child care worker, wired her December payment to Central Mortgage Company on Nov. 30, thinking that her prayers had been answered. A day later, there was a loud, aggressive knock on her door.
Thinking a relative was playing a prank, she opened her front door to find two strangers handing her an eviction notice.
"They arrived real demanding, saying that they were the owners," recalled Flores. "I have high blood pressure, and I felt awful."
Court documents show that her house had been sold that very morning to a recently created company, Shark Investments. The men told Flores she had to be out within three days. The eviction notice had a scribbled signature, and under the signature was the name of attorney John Bouzane.
A representative in his office denied that Bouzane's law firm was involved in Flores' eviction, and said the eviction notice was obtained from Bouzane's Web site, www.fastevictionservice.com.
Why would a lawyer provide for free a document that gives the impression that his law firm is behind an eviction?
"We hope to get the eviction business," said the woman, who didn't identify herself.
Flores bought her home in 2006 for $352,000. Records show that it has a current fair-market value of $99,000. The new owner bought it for $78,000 at an auction Flores didn't even know about.
"I had my dream, but now I feel awful," said Flores, who remains in the house while her lawyers fight her eviction. "I still can't believe it."
How could Flores go so quickly from getting government help to having her home owned by Shark Investment? The answer is in the fine print of standard HAMP documents.
The Aug. 25 cover letter from Central Mortgage Company, the servicer that collects Flores' mortgage payments, offered Flores a trial modification with this comforting language:
"If you do not qualify for a loan modification, we will work with you to explore other options available to help you keep your home or ease your transition into a new home."
CMC is owned by Arkansas regional Arvest Bank, itself controlled by Jim Walton, the youngest son of Wal-Mart founder Sam Walton.
A glance past CMC's hopeful promise finds a different story in the fine print of HAMP document, which contains standardized language drafted by the Obama Treasury Department and is used uniformly by lenders.
The document warns that foreclosure "may be immediately resumed from the point at which it was suspended if this plan terminates, and no new notice of default, notice of intent to accelerate, notice of acceleration, or similar notice will be necessary to continue the foreclosure action, all rights to such notices being hereby waived to the extent permitted by applicable law."
This means that even when a borrower makes all the trial payments, a lender can put the house up for auction if it decides that the homeowner doesn't qualify — assuming that foreclosure proceedings had been started before the trial period — without telling the homeowner.
Until now, lenders haven't even had to notify borrowers in writing that they'd been rejected for permanent modifications.
In January, 11 months after Obama's plan was announced, homeowners will begin receiving written rejection notices, and the Treasury Department finally will begin receiving data on rejection rates and reasons for rejections.
The controversial clause notwithstanding, the handling of Flores' loan raises questions.
"Foreclosure actions may not be initiated or restarted until the borrower has failed the trial period and the borrower has been considered and found ineligible for other available foreclosure prevention options," said Meg Reilly, a Treasury spokeswoman. "Servicers who continue with foreclosure sales are considered non-compliant."
CMC officials declined to comment and hung up when they learned that a reporter was listening in with permission from Flores' legal team. Arvest officials also declined comment.
McClatchy did hear from Freddie Mac, the mortgage finance agency seized by the Bush administration in September 2008. Freddie owns Flores' loan, and spokesman Brad German insisted that Flores was reviewed three times for loan modification.
"In each instance, there was a lack of documentation verifying that she had the income required for a permanent modification," German said.
That response is ironic, said Michael Calhoun, the president of the Center for Responsible Lending, a nonpartisan group in Durham, N.C., that works on behalf of borrowers.
"These lenders gave loans with no documentation and charged them a penalty interest rate for doing so. And now when the people ask for help, they are using extravagant demands for documentation to give them the back of their hand and continue to foreclosure," Calhoun said.
German said that Flores was sent a letter on Nov. 24, which would have arrived several days later, given the Thanksgiving holiday, informing her that she'd been rejected for a permanent modification. Flores and her attorney said she never got a letter, and neither Freddie Mac nor CMC provided proof of that letter.
Exactly one week after the letter supposedly was sent, Flores' home was sold to Shark Investments. That company was formed on Aug. 19, according to records on the California Secretary of State's Web site. Shark Investments, apparently an unsuspecting beneficiary of Flores' woes, has no phone listing. The Riverside, Calif., address on the company's filing as a limited liability company traces to a five-bedroom, four-bath house with a swimming pool.
German didn't comment on whether Flores received sufficient notice under Freddie Mac rules, or how the home could move to sale so quickly.
Flores' legal team, which specializes in foreclosure prevention, thinks that lenders and servicers are gaming Obama's housing effort.
"It seems servicers are giving people false hopes by sending them a plan, and they are using the program as a collection method, getting people to pay them with no intention of modifying the loan," said Bosch. "I believe they are using this as a tool to suck people dry."
Dashed hopes aren't exclusive to the working poor such as Flores.
David Smith owns a beautiful home in San Clemente, Calif., the location of the Richard Nixon Presidential Library. Smith purchased his five bedroom home four years ago for $1.3 million. Today, the real estate Web site Zillow.com estimates the value of Smith's home at $981,000, slightly below the $1 million he still owes on it.
Smith said he went from "making a lot of money to making hardly any" as the national and California economies plunged into deep recession. He's a salesman serving the hard-hit residential and commercial construction sector. On top of his hardship, Smith's mortgage exceeds the limits for the HAMP plan.
In late August, Smith signed and returned paperwork in a prepaid FedEx envelope to Bank of America that said it had received the contract needed to modify the adjustable-rate mortgage he originally took out with the disgraced lender Countrywide Financial, which Bank of America bought last year.
The modification agreement shows that Bank of America agreed to give Smith a 3.375 percent mortgage rate through September 2014, and everything Smith paid between now and through 2019 would count as paying off interest. He'd begin paying principal and interest in October 2019, with the loan maturing in 2037.
The deal favors the lender, but Smith, 55, jumped on it because it kept him in the home.
Armed with what he thought was "a permanent modification," Smith returned a notarized copy of the agreement and made subsequent payments on time.
In return, he got a surprising notice from Bank of America saying that his house would be auctioned off on Dec. 18.
"It looks like they're trying to sell this out from underneath me," Smith said. "My wife cries all the time."
After a Dec. 16 call from McClatchy asking why Bank of America wasn't honoring its own modification, the lender backed off.
"The case has been returned to a workout status and a Home Retention Division associate will be contacting Mr. Smith for further discussions," said Rick Simon, a Bank of America spokesman. "The scheduled foreclosure sale will be postponed for at least 30 days to allow for review of the account in hope of completing a home retention solution for Mr. Smith."
The Center for Responsible Lending says such problems are common.
"Everyone acknowledges that the system is not working well," Calhoun said.
There is fine print in the loan modification application saying the homeowners give up their rights to foreclosure notice if the bank rejects their loan modification, they can foreclose on them without notice, even when people are making their payments on time of the temporary loan modification.
The bank can decide they won't modify the loan and then simply put it up on auction without notice.
The woman in the article, had been making her payments and even made a payment on Nov. 30th for December, but had a knock on the door by the "new owners" who purchased it at auction that morning.
This is one of the MOST DISGUSTING THINGS I have ever read in what banks are doing AFTER GETTING BILLIONS AND TRILLIONS!
ANYONE WHO HAS A TEMPORARY LOAN MODIFICATION NEEDS TO BECOME AWARE OF THIS - IMMEDIATELY - THEIR HOUSE CAN BE TAKEN WITHOUT WARNING!!
Link to Article:
http://www.mcclatchydc.com/227/story/80867.html
WASHINGTON — Ten months after the Obama administration began pressing lenders to do more to prevent foreclosures, many struggling homeowners are holding up their end of the bargain but still find themselves rejected, and some are even having their homes sold out from under them without notice.
These borrowers, rich and poor, completed trial modifications of their distressed mortgage, and made all the payments, only to learn, often indirectly, that they won't get help after all.
How many is hard to tell. Lenders participating in the administration's Home Affordable Modification Program, or HAMP, still don't provide the government with information about who's rejected and why.
To date, more than 759,000 trial loan modifications have been started, but just 31,382 have been converted to permanent new loans. That's averages out to 4 percent, far below the 75 percent conversion rate President Barack Obama has said he seeks.
In the fine print of the form homeowners fill out to apply for Obama's program, which lowers monthly payments for three months while the lender decides whether to provide permanent relief, borrowers must waive important notification rights.
This clause allows banks to reject borrowers without any written notification and move straight to auctioning off their homes without any warning.
That's what happened to Evangelina Flores, the owner of a modest 902 square-foot home in Fontana, Calif. She completed a three-month trial modification, and made the last of the agreed upon monthly payments of $1,134.60 on Nov. 1. Her lawyer said that in late November, Central Mortgage Company told her that it would void her adjustable-rate mortgage, which had risen to a monthly sum above $2,000, and replace it with a fixed-rate mortgage.
"The information they had given us is that she had qualified and that she would be getting her notice of modification in the first week of December," said George Bosch, the legal administrator for the law firm of Edward Lopez and Rick Gaxiola, which is handling Flores' case for free.
Flores, 58, a self-employed child care worker, wired her December payment to Central Mortgage Company on Nov. 30, thinking that her prayers had been answered. A day later, there was a loud, aggressive knock on her door.
Thinking a relative was playing a prank, she opened her front door to find two strangers handing her an eviction notice.
"They arrived real demanding, saying that they were the owners," recalled Flores. "I have high blood pressure, and I felt awful."
Court documents show that her house had been sold that very morning to a recently created company, Shark Investments. The men told Flores she had to be out within three days. The eviction notice had a scribbled signature, and under the signature was the name of attorney John Bouzane.
A representative in his office denied that Bouzane's law firm was involved in Flores' eviction, and said the eviction notice was obtained from Bouzane's Web site, www.fastevictionservice.com.
Why would a lawyer provide for free a document that gives the impression that his law firm is behind an eviction?
"We hope to get the eviction business," said the woman, who didn't identify herself.
Flores bought her home in 2006 for $352,000. Records show that it has a current fair-market value of $99,000. The new owner bought it for $78,000 at an auction Flores didn't even know about.
"I had my dream, but now I feel awful," said Flores, who remains in the house while her lawyers fight her eviction. "I still can't believe it."
How could Flores go so quickly from getting government help to having her home owned by Shark Investment? The answer is in the fine print of standard HAMP documents.
The Aug. 25 cover letter from Central Mortgage Company, the servicer that collects Flores' mortgage payments, offered Flores a trial modification with this comforting language:
"If you do not qualify for a loan modification, we will work with you to explore other options available to help you keep your home or ease your transition into a new home."
CMC is owned by Arkansas regional Arvest Bank, itself controlled by Jim Walton, the youngest son of Wal-Mart founder Sam Walton.
A glance past CMC's hopeful promise finds a different story in the fine print of HAMP document, which contains standardized language drafted by the Obama Treasury Department and is used uniformly by lenders.
The document warns that foreclosure "may be immediately resumed from the point at which it was suspended if this plan terminates, and no new notice of default, notice of intent to accelerate, notice of acceleration, or similar notice will be necessary to continue the foreclosure action, all rights to such notices being hereby waived to the extent permitted by applicable law."
This means that even when a borrower makes all the trial payments, a lender can put the house up for auction if it decides that the homeowner doesn't qualify — assuming that foreclosure proceedings had been started before the trial period — without telling the homeowner.
Until now, lenders haven't even had to notify borrowers in writing that they'd been rejected for permanent modifications.
In January, 11 months after Obama's plan was announced, homeowners will begin receiving written rejection notices, and the Treasury Department finally will begin receiving data on rejection rates and reasons for rejections.
The controversial clause notwithstanding, the handling of Flores' loan raises questions.
"Foreclosure actions may not be initiated or restarted until the borrower has failed the trial period and the borrower has been considered and found ineligible for other available foreclosure prevention options," said Meg Reilly, a Treasury spokeswoman. "Servicers who continue with foreclosure sales are considered non-compliant."
CMC officials declined to comment and hung up when they learned that a reporter was listening in with permission from Flores' legal team. Arvest officials also declined comment.
McClatchy did hear from Freddie Mac, the mortgage finance agency seized by the Bush administration in September 2008. Freddie owns Flores' loan, and spokesman Brad German insisted that Flores was reviewed three times for loan modification.
"In each instance, there was a lack of documentation verifying that she had the income required for a permanent modification," German said.
That response is ironic, said Michael Calhoun, the president of the Center for Responsible Lending, a nonpartisan group in Durham, N.C., that works on behalf of borrowers.
"These lenders gave loans with no documentation and charged them a penalty interest rate for doing so. And now when the people ask for help, they are using extravagant demands for documentation to give them the back of their hand and continue to foreclosure," Calhoun said.
German said that Flores was sent a letter on Nov. 24, which would have arrived several days later, given the Thanksgiving holiday, informing her that she'd been rejected for a permanent modification. Flores and her attorney said she never got a letter, and neither Freddie Mac nor CMC provided proof of that letter.
Exactly one week after the letter supposedly was sent, Flores' home was sold to Shark Investments. That company was formed on Aug. 19, according to records on the California Secretary of State's Web site. Shark Investments, apparently an unsuspecting beneficiary of Flores' woes, has no phone listing. The Riverside, Calif., address on the company's filing as a limited liability company traces to a five-bedroom, four-bath house with a swimming pool.
German didn't comment on whether Flores received sufficient notice under Freddie Mac rules, or how the home could move to sale so quickly.
Flores' legal team, which specializes in foreclosure prevention, thinks that lenders and servicers are gaming Obama's housing effort.
"It seems servicers are giving people false hopes by sending them a plan, and they are using the program as a collection method, getting people to pay them with no intention of modifying the loan," said Bosch. "I believe they are using this as a tool to suck people dry."
Dashed hopes aren't exclusive to the working poor such as Flores.
David Smith owns a beautiful home in San Clemente, Calif., the location of the Richard Nixon Presidential Library. Smith purchased his five bedroom home four years ago for $1.3 million. Today, the real estate Web site Zillow.com estimates the value of Smith's home at $981,000, slightly below the $1 million he still owes on it.
Smith said he went from "making a lot of money to making hardly any" as the national and California economies plunged into deep recession. He's a salesman serving the hard-hit residential and commercial construction sector. On top of his hardship, Smith's mortgage exceeds the limits for the HAMP plan.
In late August, Smith signed and returned paperwork in a prepaid FedEx envelope to Bank of America that said it had received the contract needed to modify the adjustable-rate mortgage he originally took out with the disgraced lender Countrywide Financial, which Bank of America bought last year.
The modification agreement shows that Bank of America agreed to give Smith a 3.375 percent mortgage rate through September 2014, and everything Smith paid between now and through 2019 would count as paying off interest. He'd begin paying principal and interest in October 2019, with the loan maturing in 2037.
The deal favors the lender, but Smith, 55, jumped on it because it kept him in the home.
Armed with what he thought was "a permanent modification," Smith returned a notarized copy of the agreement and made subsequent payments on time.
In return, he got a surprising notice from Bank of America saying that his house would be auctioned off on Dec. 18.
"It looks like they're trying to sell this out from underneath me," Smith said. "My wife cries all the time."
After a Dec. 16 call from McClatchy asking why Bank of America wasn't honoring its own modification, the lender backed off.
"The case has been returned to a workout status and a Home Retention Division associate will be contacting Mr. Smith for further discussions," said Rick Simon, a Bank of America spokesman. "The scheduled foreclosure sale will be postponed for at least 30 days to allow for review of the account in hope of completing a home retention solution for Mr. Smith."
The Center for Responsible Lending says such problems are common.
"Everyone acknowledges that the system is not working well," Calhoun said.
Monday, December 7, 2009
No One has Responded from Missouri Yet - For Class Action Suit - and NOT Get Foreclosed on
PLEASE, We ALL NEED someone to please come forward to be the representative for a Class Action Suit against MERS, From Mid Missouri.
The person needs to have Foreclosure papers filed against them - The foreclosure could be Stopped!
Also people are needed from Montana, Rhode Island and Minnesota who are willing to be representatives for the suit.
Please, if you know of ANYONE in those areas who are being foreclosed on - Have them contact me!
LETS DO THIS!! WE CAN STOP FORECLOSURES TOGETHER!
The person needs to have Foreclosure papers filed against them - The foreclosure could be Stopped!
Also people are needed from Montana, Rhode Island and Minnesota who are willing to be representatives for the suit.
Please, if you know of ANYONE in those areas who are being foreclosed on - Have them contact me!
LETS DO THIS!! WE CAN STOP FORECLOSURES TOGETHER!
Wednesday, December 2, 2009
NEED SOMEONE IN MID MISSOURI FOR CLASS ACTION LAWSUIT AGAINST MERS
Need IMMEDIATELY - Someone IN MID MISSOURI - Who has Had Foreclosure Papers Filed Against Them!
UPDATE 12/03/09 10:30PM Out of 14 million homeowners in mortgage trouble, isn't there ANYONE in Missouri, Montana, Minnesota, or Rhode Island that is willing to Keep their house and be a Representative?
Please Contact me!
I need someone who is willing to be the representative in Missouri for a Class Action Lawsuit AGAINST MERS (Mortgage Electronic Registration Service)
UPDATE 12/03/09 1:15PM - PEOPLE ARE NEEDED IN THE FOLLOWING STATES TO BE REPRESENTATIVES IN THOSE STATES - WHO HAVE HAD FORECLOSURE PAPERS FILED AGAINST THEM:
RHODE ISLAND
MINNESOTA
MONTANA
Almost all mortgage servicing companies go through MERS!
Including Countrywide, Bank Of America, Wells Fargo, Litton Loan, Fannie Mae - In other words almost EVERYONE!
Judges have been ruling against them. This is what I have been working on in getting a law firm to take on a CLASS Action LAWSUIT AGAINST MERS For ALL 60 MILLION HOMEOWNERS, Before the Plague in the Ukraine has taken up my time!
There is a law firm in Nevada who is taking it on, they had one already in the works when I contacted them!
Now - they need IMMEDIATELY someone in Mid Missouri to be the representative of that state for ALL Homeowners!
The lawyer will be sending me a list of ALL the states they need people in - So you can expect another post as this one - listing what states people who have had foreclosure papers filed against them are needed!
BUT - AWESOME NEWS IS: The lawyer had asked me for someone in Mid Missouri a couple of months ago - I listed that need on my "Sherriequestioningall" Blog.
Someone contacted me - I gave them the lawyers information - Well - The attorney told me today "Thanks to you" the mortgage company - Citibank - WALKED AWAY FROM THE MORTGAGE - THE PEOPLE GOT THEIR HOUSE FREE AND CLEAR!!!!
She did not explain it completely - but I assume- when they said they were going to be the representatives for a Class action suit - Citibank - GAVE THEM THEIR HOME!!
Now the lawyers NEED SOMEONE ELSE - LIKE YESTERDAY!!
PLEASE CONTACT ME - IF YOU ARE IN MID MISSOURI - HAVE HAD FORECLOSURE PAPERS FILED AGAINST YOU -
I will give you the attorney's Name and number when you contact me - I do not want to put their information out here!
ALSO - if you are a lawyer and are interested in helping and joining in this lawsuit, please contact me! One lawyer who has out of Georgia is now helping with this.
This Class Action lawsuit is for all NON- Judicial Foreclosure States - the lawyers are trying to figure out how to help those in the Judicial Foreclosure states out.
THIS WILL NOT COST ANYONE A DIME! ALL THOSE WITH MERS MORTGAGES WILL IMMEDIATELY BE A PART OF THE CLASS ACTION SUIT!
For a list to see if your state is a non-judicial or a judicial foreclosure state - see this link:http://www.all-foreclosure.com/procedures.htm
To understand MERS and rulings against them - please see the following links.
http://www.upi.com/Real-Estate/2009/10/04/Nevada-Suit-Could-Halt-Thousands-of-Foreclosures/7301254678994UPDATE 12/03/09 10:30PM Out of 14 million homeowners in mortgage trouble, isn't there ANYONE in Missouri, Montana, Minnesota, or Rhode Island that is willing to Keep their house and be a Representative?
Please Contact me!
I need someone who is willing to be the representative in Missouri for a Class Action Lawsuit AGAINST MERS (Mortgage Electronic Registration Service)
UPDATE 12/03/09 1:15PM - PEOPLE ARE NEEDED IN THE FOLLOWING STATES TO BE REPRESENTATIVES IN THOSE STATES - WHO HAVE HAD FORECLOSURE PAPERS FILED AGAINST THEM:
RHODE ISLAND
MINNESOTA
MONTANA
Almost all mortgage servicing companies go through MERS!
Including Countrywide, Bank Of America, Wells Fargo, Litton Loan, Fannie Mae - In other words almost EVERYONE!
Judges have been ruling against them. This is what I have been working on in getting a law firm to take on a CLASS Action LAWSUIT AGAINST MERS For ALL 60 MILLION HOMEOWNERS, Before the Plague in the Ukraine has taken up my time!
There is a law firm in Nevada who is taking it on, they had one already in the works when I contacted them!
Now - they need IMMEDIATELY someone in Mid Missouri to be the representative of that state for ALL Homeowners!
The lawyer will be sending me a list of ALL the states they need people in - So you can expect another post as this one - listing what states people who have had foreclosure papers filed against them are needed!
BUT - AWESOME NEWS IS: The lawyer had asked me for someone in Mid Missouri a couple of months ago - I listed that need on my "Sherriequestioningall" Blog.
Someone contacted me - I gave them the lawyers information - Well - The attorney told me today "Thanks to you" the mortgage company - Citibank - WALKED AWAY FROM THE MORTGAGE - THE PEOPLE GOT THEIR HOUSE FREE AND CLEAR!!!!
She did not explain it completely - but I assume- when they said they were going to be the representatives for a Class action suit - Citibank - GAVE THEM THEIR HOME!!
Now the lawyers NEED SOMEONE ELSE - LIKE YESTERDAY!!
PLEASE CONTACT ME - IF YOU ARE IN MID MISSOURI - HAVE HAD FORECLOSURE PAPERS FILED AGAINST YOU -
I will give you the attorney's Name and number when you contact me - I do not want to put their information out here!
ALSO - if you are a lawyer and are interested in helping and joining in this lawsuit, please contact me! One lawyer who has out of Georgia is now helping with this.
This Class Action lawsuit is for all NON- Judicial Foreclosure States - the lawyers are trying to figure out how to help those in the Judicial Foreclosure states out.
THIS WILL NOT COST ANYONE A DIME! ALL THOSE WITH MERS MORTGAGES WILL IMMEDIATELY BE A PART OF THE CLASS ACTION SUIT!
For a list to see if your state is a non-judicial or a judicial foreclosure state - see this link:http://www.all-foreclosure.com/procedures.htm
To understand MERS and rulings against them - please see the following links.
http://indianalawblog.com/archives/2009/09/courts_in_kansa.html
http://theforeclosuredetonator.wordpress.com/2009/09/28/kansas-supreme-court-rules-in-favor-of-homeowners/
http://www.dsnews.com/articles/mers-role-as-mortgagee-challenged-in-kansas-court-ruling-2009-09-30
http://www.globalresearch.ca/index.php?context=va&aid=15324 - Kansas Supreme Court Ruling against MERS
http://www.webofdebt.com/articles/mers.php
http://www.projo.com/business/content/HO_MERS_Lawsuit_10-25-09_LOG44C1_v15.1c5d26b.html
http://www.nytimes.com/2009/10/25/business/economy/25gret.html?pagewanted=2&_r=2&partner=rss&emc=rss New York judge ruling last week against MERS - forgave whole debt!
FORECLOSURES HAVE TO STOP!! IT GETS ME SICK ALL THE PEOPLE BEING KICKED OUT ON THE STREET WITH THEIR FAMILIES AS THE BANKS ARE GETTING TRILLIONS OF DOLLARS!!!!
WHEN THE CLASS ACTION SUIT IS FILED (HOPEFULLY WITHIN THE NEXT COUPLE OF WEEKS) THEY WILL FILE AN INJUNCTION AGAINST ALL MERS FORECLOSURES UNTIL THE SUIT IS SETTLED! Hopefully the Judge will Approve the Injunction!!
MERS HAS NO STANDING TO FORECLOSE ON PEOPLE - THEN PEOPLE COULD STOP PAYING THEIR MORTGAGES!!
I WILL NOT TAKE ANYONE'S PERSONAL INFORMATION - I WILL STRICTLY GIVE YOU THE ATTORNEY'S NAME AND NUMBER FOR YOU TO CONTACT!!
Subscribe to:
Posts (Atom)